Petaling Jaya, Malaysia – Brankas, a regional provider of open finance technology, has formed a partnership with INFOPRO, a company specialising in AI-driven banking solutions, to support smarter credit processes and accelerate digital transformation within the financial services sector.
The collaboration aims to combine open finance infrastructure with AI-enabled analytics to modernise lending and credit management, allowing financial institutions to make more accurate, data-based credit decisions and deliver tailored financial products.
The partnership was formalised through a Memorandum of Understanding signed during INFOPRO’s “Strategic Credit Management” event in Malaysia on 30 October. Through this agreement, both organisations will leverage their technological expertise and industry experience to enhance credit scoring using real-time, consent-based access to financial and alternative data, streamline digital lending operations, and improve overall customer experience and compliance.
Mike Dickinson, COO of Brankas, shared that this partnership represents a powerful synergy between Open Finance and agentic AI.
“Together with INFOPRO, we’re helping banks unlock richer insights, faster credit decisions, and more accessible lending opportunities for millions of customers,” Mike commented.
INFOPRO’s experience in implementing digital banking projects for over 100 financial institutions across more than 30 countries will complement Brankas’ open finance infrastructure in providing integrated solutions that drive operational efficiency and innovation in credit management.
Desmond Ng, marketing director of INFOPRO, mentioned how the collaboration is a pivotal step in redefining credit management for the digital age, providing financial institutions with a powerful, future-proof solution.
“This synergy allows banks to move beyond traditional credit scoring, enabling them to assess true customer affordability, mitigate risks with greater precision, and ultimately drive financial inclusion through more intelligent and personalised lending,” Desmond explained.
The initiative comes as Malaysia advances its Open Finance agenda, led by Bank Negara Malaysia with the support of Paynet, seven banks, and the Employees Provident Fund.
The forthcoming framework seeks to establish clear standards for data sharing, consent management, and consumer protection across the financial ecosystem.
By aligning with these national priorities, the Brankas-INFOPRO partnership aims to promote secure data-sharing practices, API standardisation, and AI-enabled decision-making in the country’s banking landscape.
Both organisations have expressed a shared goal of empowering financial institutions to deliver more inclusive and data-driven credit solutions that meet evolving customer expectations.
